Bankruptcy

Jane M. McLaughlin

Attorney at Law

14015 Southwest Freeway Suite 14 Sugar Land, Texas 77478 281-242-7084

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  Free Consultation
Call 281-242-7070 to schedule a free telephone or in person consultation with an experienced Sugar Land Fort Bend County bankruptcy attorney.

 

  Save Your Home!
Chapter 13 bankruptcy may allow you to stop foreclosure and save your family home.  You must take action prior to the scheduled foreclosure sale.

 

  Keep Your Car
You may be able to save your car from repossession.  In some circumstances you may even be able to force your creditor to accept less for your vehicle.

 

  Eliminate Debts
You may be able to discharge unpaid debts including credit card, medical bills and judgments.

 

  Stop Bill Collectors
As soon as you file bankruptcy your creditors must stop all collection activity.  This includes harassing phone calls, threatening letters, attempts to repossess you car or foreclose on your house.

Fresh Start

There are many reasons good hard-working people become overwhelmed by out-of-control debt.  Bankruptcy may allow you a fresh start and the peace of mind you and your family deserve.  Sugar Land attorney Jane McLaughlin has helped hundreds of families through difficult times.  Call 281-242-7070.
  DWI DUI Defense
Sugar Land DWI Attorney Anthony R. Segura provides skilled, aggressive representation to individuals charged with DWI in Fort Bend County

Divorce

Scott M. Broussard - a tough, compassionate divorce / family lawyer in Sugar Land, Fort Bend County, Texas. Because your future is too important to trust to just any lawyer.

Bankruptcy

Sugar Land Attorney Jane M. McLaughlin has helped hundreds of honest, hard-working Houston families through financially difficult times. (more info)

 

Sugar Land Bankruptcy Lawyer

 

Bankruptcy Protection May Allow you to:

  

   STOP

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Home Foreclosure

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Auto Repossession

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Creditor Harassment

          

    ELIMINATE

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Credit Card Debt

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Medical Bills

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Judgments

Overview

 

If you are having financial trouble, find it difficult to pay your bills each month, face losing your home to foreclosure or are threatened with repossession of your automobile, you may be a candidate for bankruptcy protection.  Don't let embarrassment or fear stop you from asserting your legal rights.  Bankruptcy laws exist to help good, hard-working, honest people through difficult and trying periods.  An experienced bankruptcy attorney may be able to help restore your peace of mind. 

 

Sugar Land Bankruptcy Lawyer Jane M. McLaughlin has helped hundreds of Sugar Land area families through financially difficult times. 

 

For additional information go to www.bankruptcy-houston-lawyer.com

Representation Provided in the Following Areas

 

bulletConsumer Debt - Chapter 7 & Chapter 13
bulletSmall Business - Chapter 7
bulletClaims of Creditors

 

Contact Us for a Free Initial Consultation 281-242-7070

 

Sugar Land Attorney Jane M. McLaughlin offers a free consultation.  Call Today.

 

 

We are a debt relief agency.  We help people file for bankruptcy relief under the Bankruptcy Code.

Frequently Asked Questions

The information presented at this site is not, nor is it intended to be, legal advice.  You should contact an attorney for advice specific to your own  unique situation.

Table of Contents

  1. I am several months behind on my mortgage payments and the mortgage company has threatened to foreclose on my home.  Can anything be done to save my home ?
  2. I have not made my car payment for a few months and the finance company says it will repossess my car if I don't pay now.   I need my car to go to work.  Is there anything I can do to stop them.
  3. What is the difference between a Chapter 7 and a Chapter 13 bankruptcy?
  4. I have lots of credit card debt and my creditors keep calling me, how can a bankruptcy help me?
  5. If I file bankruptcy will I have to appear in court?
  6. What if someone has co-signed a loan for me and I file bankruptcy?
  7. Will I have to give up my property if I file a bankruptcy?
  8. How does a bankruptcy affect my credit rating?
  9. How much does it cost to file bankruptcy?

 

I am several months behind on my mortgage payments and the mortgage company has threatened to foreclose on my home.  Can anything be done to save my home?

If you are unable to work out a payment plan directly with your mortgage company, a Chapter 13 bankruptcy may allow you to save your home.  Once a bankruptcy is filed, your creditors must stop all collection activity against you, including foreclosure proceedings.  The past due amounts you owe the mortgage company will be paid through the Bankruptcy Trustee (the person assigned by the court to administer your bankruptcy).  While you are in a Chapter 13 bankruptcy, you must still make your regular monthly mortgage payments and keep current with your payments to the Trustee to prevent the mortgage company from being allowed to go forward with foreclosure.

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I have not made my car payments for a few months and the finance company says it will repossess my car if I don't pay now.  I need my car to go to work.  Is there anything I can do to stop them?

If you are unable to work out a payment plan directly with your lender, a Chapter 13 bankruptcy may allow you to keep your car.  Once a bankruptcy is filed, your creditors must stop all collection activity against you, including repossession.  You can pay for your car two ways in a Chapter 13 bankruptcy depending on your individual circumstances, including how much you owe on the car and its market value.  1) you can pay for the entire amount you owe on the car through the bankruptcy; or 2) you can pay only for the past due amount through the bankruptcy.  If you pay only the past due amount through the bankruptcy, you must continue to pay your regular monthly car note to the lender. 

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What is the difference between a Chapter 7 and a Chapter 13 bankruptcy?

Typically, a Chapter 7 bankruptcy is filed to obtain a discharge (you will no longer be responsible for payment) of an obligation to pay unsecured debt when a debtor is not in jeopardy of losing secured property such as a house or car.  A Chapter 13 is typically filed by a person with regular income when they get behind in their house, car or other secured obligations.  In a Chapter 13 bankruptcy unsecured creditors are paid a percentage of the debt they are owed depending on the circumstances of the individual debtor.

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I have lots of credit card debt and my creditors keep calling me, how can a bankruptcy help me?

If you qualify, credit card debt would be dischargeable (you will no longer be responsible for payment) in a bankruptcy.  Under certain circumstances, you may be required to repay a portion of your unsecured debt in a chapter 13 plan.  Once you file a bankruptcy, your creditors must stop all collection activity against you, including telephone calls and letters.  If collection activity persists notify your lawyer immediately.

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If I file bankruptcy will I have to appear in court?

All bankruptcies require that you attend a creditor's meeting, where the Trustee (the person appointed to administer your bankruptcy) will review the documents provided when the bankruptcy is filed.  Occasionally one of your creditors will attend this meeting.  Your lawyer will attend with you.

In a Chapter 13 bankruptcy, there is also a confirmation hearing, where the judge will sign the plan you propose to repay your creditors.  You will only have to attend that hearing if your attorney tells you to.

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What if someone has co-signed a loan for me and I file a bankruptcy?

If the loan was unsecured (no property was pledged to make sure you repay the loan), then even if you obtain a discharge, the co-signer will be responsible for payment.  If the loan was for secured property (house, car, furniture) no action will be taken against the co-signer as long as the payments are made.

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Will I have to give up my property if I file a bankruptcy ?

Texas law is very generous in allowing exemptions (property the court cannot force you to sell to satisfy your creditors) and, depending on your individual circumstances, you will probably be allowed to keep your property.  Any non-exempt property may be sold to satisfy your creditors.  Your lawyer can provide more detailed information.

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How does a bankruptcy affect my credit rating?

A bankruptcy will stay on your credit report for 7 to 10 years.  Each creditor has its own system of evaluating your creditworthiness for future credit

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How much does it cost to file a bankruptcy?

Filing fees are $274.00 for a Chapter 13 bankruptcy and $299.00 for a Chapter 7 bankruptcy.  Payment plans are available for the attorney's fees.

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Contact Us Now

Call 281-242-7084 to schedule a free telephone or in person consultation with an experienced bankruptcy attorney.  We are conveniently located in Sugar Land (Fort Bend County) and provide representation throughout the greater Houston area.

SUGAR LAND BANKRUPTCY LAWYER                  FORT BEND CHAPTER 11, 13 ATTORNEY

 

 

14015 Southwest Freeway ▪ Suite 14 ▪ Sugar Land (Fort Bend County) ▪ Texas 77478 ▪ 281-242-7084